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Mera Pakistan Mera Ghar, in line with the Government of Pakistan’s vision to cater to the housing needs of low-income groups, seeks to facilitate the purchase or rental of houses/flats as well as the extension of existing homes.

Loan Amount

Rs. 1,000,000/- to Rs. 2,000,000/-

Loan Tenure

Minimum 5 Years and Maximum 20 years

Basic Documentations

Valid Computerized National Identity Card (CNIC/SNIC)
 

  • Businessman (Formal/Informal) / Salaried Class
  • Household annual income less than Rs. 1,500,000/- (Net of business expenses)
  • Age between 25-59 years (Max. 64 Years & 8 Months at the time of Maturity of Loan)
  • Businessman / SEP: Experience of minimum of 2 Years required
  • Salaried: Minimum 02 years regular/confirmed employee with current organization and 05 years overall experience
  • Holding valid CNIC/SNIC
  • Not defaulter of any financial institutions & Public Utilities.
  • Residing or working in launching cities for at least 1 year in case of owned residence or Min. 02 years
  • Business location should be 02 years older in same city from finance being applied

  • House up to 125 Sq. yds (05 Marla)
  • Flat / Apartment with maximum covered area of 1,250 Sq. feet.

Rs. 1,000,000/- to Rs. 2,000,000/-

Minimum 5 Years and Maximum 20 years

  • Valid Computerized National Identity Card (CNIC/SNIC)
  • Valid and Clean eCIB and NADRA Verisys
  • 1 recent passport size photograph of the Customer
  • Proof of running business place for businessman (Formal / Informal)
  • Proof of the property to be mortgaged/property documents.
  • Legal Opinion
  • Valuation Report from PBA approved Valuator
  • 03 Salary Slips, Job Certificate on letter head in case of salaried person
  • Bank Statement for last six months in case of Businessman and Salaried Class
  • Undertaking regarding first time home owner
  • Consent form for Telco Data

  • Mortgage of Property to be financed

  • Free Credit Life Insurance – Applicable on permanent disability and death of borrower
  • Customer paid Insurance of Financed House.

  • 5% for first 5 Years
  • 7% for next 5 Years
  • As per SOC for the last 10 Years (at the time of loan disbursement)

*Terms & conditions applicable.

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